Product Release: Prefill suite (smart populate, autocomplete, and business enrichment order)
Middesk's Prefill suite delivers verified business data during onboarding through three capabilities: smart populate for flexible input handling, autocomplete for real-time name verification, and business enrichment order for comprehensive profile completion. Together, they reduce verification errors, reduce document requests, and improve conversion.
What is smart populate?
Smart populate is a flexible input API that returns verified business details in under 600 milliseconds from whatever identifier users have on hand. Instead of requiring specific inputs in a specific order, smart populate accepts business name and address, EIN, website URL, or DBA name, enabling onboarding flows to adapt to user context.
For business onboarding, this means businesses with their EIN readily available can skip name search entirely. Users who know their website or DBA can start there instead. The result: fewer abandoned applications and faster time to verification.
POST /v1/prefill/businesses returns verified business details (legal name, address, last 4 digits of EIN, formation date, officers, website, and industry classification) in under 600 milliseconds. Coverage as of December 2025: 50% industry classification, 50% website URLs, 65% EIN (masked for security), 95% addresses when including all address types.
You can find the full integration guide, authentication details, and example implementations in our smart populate API documentation.
What is autocomplete?
Autocomplete is a real-time business identity verification API that surfaces authoritative Secretary of State records as users type. Instead of waiting for users to submit a full form and then verifying their data, autocomplete returns structured business suggestions in under 300 milliseconds with each keystroke.
For business onboarding, this means users find the correct business in 2-3 keystrokes instead of manually entering and verifying every field. 95% of verification failures stem from name mismatches. Autocomplete prevents this by showing the right legal name, addresses, and officers before submission.
You can find the full integration guide, authentication details, and example implementations in our autocomplete API documentation.
What is business enrichment order?
Business enrichment order is an asynchronous data retrieval product that delivers complete business profiles without requiring users to provide every field. After a user submits basic information, business enrichment order performs live web scraping and deep data retrieval to find full EINs, website URLs, industry classifications, employee counts, revenue ranges, and formation details in approximately 60 seconds.
For compliance and risk workflows, this means you get 99% industry classification coverage, 62% website URLs, and 65% full EINs without adding friction to your onboarding flow. Users continue through your application while enrichment completes in the background.
You can find the full integration guide, order configuration, and coverage details in our business enrichment order documentation.
Do I need to use smart populate, autocomplete, or business enrichment order?
No. These are optional enhancements to your business verification workflow. Your existing Middesk integration continues working without changes. Smart populate, autocomplete, and business enrichment order address specific onboarding friction points:
Use smart populate if you want flexible input handling that adapts to whatever information users have available (name, EIN, website, DBA)
Use autocomplete if you want to eliminate data entry errors at the point of input and reduce verification failures caused by name mismatches
Use business enrichment order if your downstream workflows require complete business profiles and you want to reduce manual data collection
Use all three if you want flexible input, error prevention during data entry, and complete profiles without user friction
What is the difference between business enrichment order and smart populate?
Smart populate returns cached business data in under 600 milliseconds, prioritizing speed for real-time user interactions. Coverage reflects what exists in cache: 50% industry classification, 50% website URLs (as of December 2025). Smart populate returns last 4 digits of EIN (masked for security; 65% coverage).
Business enrichment order performs live web scraping and deep data retrieval over approximately one minute, dramatically improving coverage: 99% industry classification, 62% website URLs, 65% full EINs with 100% confidence threshold. The asynchronous execution means users never wait for enrichment to complete.
Use smart populate when you need instant results during user interaction. Use business enrichment order when you need comprehensive profiles for downstream decisioning workflows.
How do I get started with smart populate?
Smart populate is available now. Make requests to POST/v1/prefill/businesses using your standard API key.
Smart populate accepts multiple input types:
Business name and address (primary use case)
EIN (reverse lookup: provide tax ID, get business profile)
Website URL (reverse lookup: provide URL, get business profile)
DBA name and address (resolves trade name to legal entity)
This flexibility lets your onboarding flow adapt to whatever information users have on hand.
See our smart populate API integration guide for authentication details, input examples, and implementation patterns.
How do I get started with autocomplete?
Autocomplete is available now. Make requests to POST /v1/identities/autocomplete using your Publishable API key. You can call the endpoint directly from your frontend without routing through a proxy server.
Rate limiting operates at the IP address level to prevent automated abuse while maintaining sub-second response times for legitimate users. However, for high-risk use cases, we recommend implementing additional fraud controls beyond the default IP-based rate limiting. Our Prefill SDK (launching H1 2026) will include advanced fraud detection (device fingerprinting, velocity checks, and anomaly detection) built into the client by default.
Start by implementing basic autocomplete functionality, then enhance the UI with business context (addresses, officers, entity type) as users type.
See our autocomplete API integration guide for authentication details, example requests, and frontend implementation patterns.
How do I get started with business enrichment order?
Business enrichment order is available now. Add orders: [{"product": "business_enrichment"}] to your existing POST /v1/businesses request. The API returns a business object immediately while enrichment executes asynchronously.
Poll the business resource or configure webhooks to receive notifications when enrichment completes (typically within 60 seconds). Retrieved data appears in the same business object structure you already use for verification workflows.
See our business enrichment order integration guide for order configuration, webhook setup, and field coverage details.
Can I use smart populate, autocomplete, and business enrichment order together?
Yes. Smart populate handles flexible input during initial data capture. Autocomplete operates during name-based data entry to help users select the correct business. Business enrichment order runs after submission to retrieve complete profiles. Using all three gives you maximum input flexibility, accurate data at submission, and comprehensive profiles for downstream workflows.
Your API credentials work for all products. Smart populate and business enrichment order use your standard API key for backend requests. Autocomplete uses your Publishable API key for frontend calls.
Will autocomplete coverage improve?
Autocomplete currently delivers 95% exact match rate when users type full business names, with 47% match rate at mid-typing and 74% at late typing. Coverage is based on Secretary of State records and updates as we expand data sources and improve matching algorithms.
We're working to improve match rates during early typing and expand coverage to additional business attributes. Integration patterns remain consistent as coverage improves.
What data does business enrichment order retrieve?
Current coverage:
99% industry classification (NAICS codes)
65% full EIN with 100% confidence threshold
62% website URLs
94% formation dates
74% officer/people data
66% address alignment to submitted data
Coverage continues improving as we expand data sources and retrieval methods. The asynchronous design means your integration benefits from coverage improvements without code changes.
What's the difference between operating address coverage and total address coverage?
Smart populate and business enrichment order return different address types with different coverage rates:
Operating address coverage: 66% (physical business location; excludes registered agent addresses for CIP compliance)
All addresses coverage: 95% (includes mailing, registered agent, office, and operating addresses)
Which should you use?
Use operating address if your compliance workflow requires a physical business location for verification
Use all addresses if you want maximum coverage and can filter address types yourself
Both options return address labels (mailing, primary, office, registered agent) so you can apply your own filtering logic.